BMW 1-Series Forum (F20) 135i - 1Addicts.com > BIMMERPOST Universal Forums > Off-Topic Discussions Board > Watches > Watch Insurance
Post Reply
 
Thread Tools Search this Thread
      07-27-2018, 03:31 PM   #23
GregM4
Second Lieutenant
GregM4's Avatar
Australia
101
Rep
234
Posts

Drives: VERDE ERMES G82 M4 Xdrive
Join Date: Oct 2015
Location: Queensland, Australia

iTrader: (0)

Mine is insured as an itemised item on my home content policy. Not sure about the USA, but in AUS it is only covered inside the house for theft etc. It is not covered while wearing outside if you are robbed. I priced that and it was super expensive, like $1,000 extra per year. This was for a $40,000 Patek.
Appreciate 0
      08-23-2018, 12:39 PM   #24
BMV///M3
Major
BMV///M3's Avatar
356
Rep
1,022
Posts

Drives: BMW f80 M3
Join Date: May 2012
Location: CA

iTrader: (1)

Jewelers mutual. About $120ish a year for my DateJust
Appreciate 1
FCobra942679.50
      04-12-2020, 12:55 AM   #25
FSHNGRY
Lieutenant Colonel
FSHNGRY's Avatar
United_States
1119
Rep
1,577
Posts

Drives: INDIVIDUAL F90 M5C LCI
Join Date: Jun 2009
Location: Fort Lauderdale

iTrader: (1)

Garage List
Quote:
Originally Posted by twin fed View Post
I was just curious if anyone here insures their watches? I have a nice collection but only 3 that I would consider insuring. I have some of my wife's jewelry insured through our homeowners policy. I could just add it to that I guess. Or is there any watch specific insurers out there? And if you do insure a watch what do you pay, if you don't mind stating?
Sorry to bring back a post from 2018..

I have 2 of my watches and my wife's rocks insured through "Gemshield" I believe it cost $850 for the year. Reason was multiple travels to Europe. Don't know If i would do it again. Building a home now that will be secure enough.
__________________
CURRENT: '21 M5| FSHNGRY | TARTUFO | CCB | MPE | KW | IND | EVENTURI |LOADED
GONE: '15 YMB M4 | IND | MPERF | KW | BM3 | LOADED
GONE: '11 335IS | BLKSPHR | OYSTER | LOADED
GONE: '05 E46 ZHP | LOADED | DINAN STG3 PKG |

IG:@CHRISTOS.KANTZAVELOS
Appreciate 0
      04-12-2020, 12:27 PM   #26
FCobra94
Brigadier General
FCobra94's Avatar
2680
Rep
4,823
Posts

Drives: '07 E90 335i
Join Date: Dec 2011
Location: MD

iTrader: (2)

Haven't had to insure a watch yet, but Jewelers Mutual has been awesome for earrings, rings, etc. that each cost about as much to replace as what Daytonas are going for currently.

No way I would add jewelry to a home owner policy. If I ever have to collect on it I'd rather not risk raising premiums on a completely seperate/fixed asset.
__________________
'07 E90 335i - Automagic - Non-sport
MHD E50|Alpina Flash|Stg 2 LPFP|VRSF 7"FMIC-DP-CP|TIAL BOV|cp-e DCI
Bilstein B6|Dinan Camber Plates|E93 M3 FSB-LCA-Guide Rods|Manzo Toe Arms|HPS 5.0
Style 393 - 225/50/17 - 10/20 F/R spacers
Appreciate 1
gqgambler473.50
      04-12-2020, 08:19 PM   #27
ny325
Brigadier General
United_States
771
Rep
3,111
Posts

Drives: Jet Black E90
Join Date: Feb 2007
Location: Yankee Stadium

iTrader: (0)

Mine are insured through State Farm personal articles coverage. It was actually slightly cheaper than Jewelers Mutual. That’s probably because I have a umbrella policy.
Appreciate 2
FCobra942679.50
gqgambler473.50
      07-13-2020, 12:01 AM   #28
FSHNGRY
Lieutenant Colonel
FSHNGRY's Avatar
United_States
1119
Rep
1,577
Posts

Drives: INDIVIDUAL F90 M5C LCI
Join Date: Jun 2009
Location: Fort Lauderdale

iTrader: (1)

Garage List
Quote:
Originally Posted by twin fed View Post
I was just curious if anyone here insures their watches? I have a nice collection but only 3 that I would consider insuring. I have some of my wife's jewelry insured through our homeowners policy. I could just add it to that I guess. Or is there any watch specific insurers out there? And if you do insure a watch what do you pay, if you don't mind stating?
Insured my 3 watches, wife's ring, and wedding band through Gemsheild. I forget the deductible and details.. but it was $990 for 1 year. I only did it because we were getting married and honeymooning in Europe. I know that you're far more likely to have it taken off of your hand in broad day light there. I don't see myself paying it again this year.
__________________
CURRENT: '21 M5| FSHNGRY | TARTUFO | CCB | MPE | KW | IND | EVENTURI |LOADED
GONE: '15 YMB M4 | IND | MPERF | KW | BM3 | LOADED
GONE: '11 335IS | BLKSPHR | OYSTER | LOADED
GONE: '05 E46 ZHP | LOADED | DINAN STG3 PKG |

IG:@CHRISTOS.KANTZAVELOS
Appreciate 1
twin fed1140.50
      07-22-2020, 07:05 PM   #29
XKxRome0ox
e90noob
XKxRome0ox's Avatar
United_States
1116
Rep
1,695
Posts

Drives: '08 E90 M3
Join Date: Mar 2012
Location: Los Angeles, CA

iTrader: (4)

Quote:
Originally Posted by NoMoreAudi View Post
I do it through my homeowner's insurance. It's $6/month for an appraised 15k.
who is your HO insurance with?
Does it just pay out the full appraised value? replacement value?
__________________
2008 E90 M3 / LCI trunk + euro tail swap

Production date - 2008-04-22
Appreciate 0
      10-09-2020, 08:52 AM   #30
gqgambler
Major
gqgambler's Avatar
United_States
474
Rep
1,122
Posts

Drives: Fast & Furious
Join Date: Jun 2018
Location: Beast from the East

iTrader: (1)

Insure expensive items on a separate personal articles insurance policy. We have all watches and wife's jeweler on the same policy and just add or subtract items as needed. Yearly premium is paid. Avoid your homeowner policy, because if you file a claim for lost or stolen item then it goes against your homeowners policy which isn't a good look and can increase your rate when truly nothing happened to your home. Also no need to raise the value of covered items for your home in the event of a catastrophe; typical homeowner policy will have a max dollar amount for covered items in the home, put an expensive engagement ring, earrings, and watches on it and you've eaten up a good chuck of the value for covered items.
__________________
No. Try not. Do. Or do not. There is no try.
-Yoda
Appreciate 0
      10-09-2020, 08:57 AM   #31
gqgambler
Major
gqgambler's Avatar
United_States
474
Rep
1,122
Posts

Drives: Fast & Furious
Join Date: Jun 2018
Location: Beast from the East

iTrader: (1)

Quote:
Originally Posted by BRCHP View Post
Insured my 3 watches, wife's ring, and wedding band through Gemsheild. I forget the deductible and details.. but it was $990 for 1 year. I only did it because we were getting married and honeymooning in Europe. I know that you're far more likely to have it taken off of your hand in broad day light there. I don't see myself paying it again this year.
I have more insured for less with my insurance company, State Farm. Check with yours.
__________________
No. Try not. Do. Or do not. There is no try.
-Yoda
Appreciate 1
FSHNGRY1119.00
      10-09-2020, 08:59 AM   #32
gqgambler
Major
gqgambler's Avatar
United_States
474
Rep
1,122
Posts

Drives: Fast & Furious
Join Date: Jun 2018
Location: Beast from the East

iTrader: (1)

Quote:
Originally Posted by ny325 View Post
Mine are insured through State Farm personal articles coverage. It was actually slightly cheaper than Jewelers Mutual. Thatís probably because I have a umbrella policy.
That's what I did with state farm. Still a good rate without the umbrella policy.
__________________
No. Try not. Do. Or do not. There is no try.
-Yoda
Appreciate 1
FSHNGRY1119.00
Post Reply

Bookmarks

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off



All times are GMT -5. The time now is 05:10 AM.




1addicts
Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2021, vBulletin Solutions Inc.
1Addicts.com, BIMMERPOST.com, E90Post.com, F30Post.com, M3Post.com, ZPost.com, 5Post.com, 6Post.com, 7Post.com, XBimmers.com logo and trademark are properties of BIMMERPOST